Group/Worksite - MIBluesPerspectives

Life/AD&D

Higher volume life insurance amounts can be purchased with guarantee issue
Accelerated benefits & life waiver of premium benefits built-in
Proven respectful and rapid payment of employee and retiree claims
Accelerated Benefit for nursing facility care or terminal illness benefits built-in
Riders that Offer Plan Design Flexibility
Premium rates and convertible to whole life
10 or 20 year guarantee issue premium plans

Accident

Unique, affordable plan offerings
Payments made directly to the employee to use for any expense, medical or otherwise
Benefits are not tied to medical out-of-pocket costs
Guarantee issue and employees can still contribute to an HSA plan
Indemnity-based benefit payments (schedule of benefits)
Guaranteed Issued paying directly to policyholder
Benefit payout based on actual amounts charged rather than a schedule
No coordination of benefits & 24-7 coverage on AND off the job
Disappearing deductible available for worksite cases
Only the insurance policy can give you actual coverage amounts, terms, conditions, limitation and exclusions. LifeSecure Insurance Company – Brighton, MI. For agent use only. Not for solicitation purposes.
Guarantee issue
Wellness benefit build-in
Family-friendly benefits created with children in mind (child organized sports, hospital confinement-childcare & accidental death children-education)
24-hour off-job coverage available

Critical Illness

Guarantee option for groups with 51+ eligible employees
24-month rate guarantee
Wellness benefit may be included
Portable-allows member to keep policy when changing jobs
$30,000 guarantee issue at 10 eligible lives regardless of tier
Guarantee issue every year at open enrollment
Issue-vs-attained age rating options
Re-occurrence and waiver of premium benefits built-in
Portable-allows member to keep policy when changing jobs
Guaranteed Issue - $10k Benefit Amount
Simplified Issue - $15k and $20k Benefit Amounts
No spousal underwriting
Dependent children coverage = $2,500 at NO additional cost
Re-occurrence & return of premium of benefits built-in
Only the insurance policy can give you actual coverage amounts, terms, conditions, limitation and exclusions. LifeSecure Insurance Company – Brighton, MI. For agent use only. Not for solicitation purposes.

Hospital Indemnity

Worksite coverage allows Guaranteed Issue - $200 Daily Benefit Amount & Simplified Issue - $210 - $900 Daily Benefit Amount; eligible ages 18-85, guaranteed renewable for life
Worksite Coverage up to 35 days per year of inpatient hospitalization, includes up to 4 days of treatment in an observation unit
Worksite coverage has available rider options for more design flexibility
Only the insurance policy can give you actual coverage amounts, terms, conditions, limitation and exclusions. LifeSecure Insurance Company – Brighton, MI. For agent use only. Not for solicitation purposes.
Guaranteed issue underwriting
Composite rates available with several flexible plan options
Waiver of Pre-ex and maternity waiting period available
Sickness-only plans available to complement stand-alone accident plan

Short-Term Disability

Long-Term Disability

Integrated STD to LTD claim management
Disability Resource Services (EAP Program) & Partial Disability Benefit built-in
‘Own Occupation’ to ‘Any Occupation’ transition
‘Diagnosed as Totally Disabled’ and/OR ‘Show a Loss of Income’ Option
Extensive rider options to allow for rich and flexible plan designs